Would you pay a 23% fee to access your own money? That’s how much, on average, Americans are forking over when they withdraw $20 from an ATM that doesn’t belong to their bank.

ATM withdrawal fees in the US are at an all-time high. The average fee to use an out-of-network ATM machine is now $4.57, according to Bankrate’s 2016 annual checking survey, and can rise to nearly twice that in some areas. That number has been climbing steadily for the last decade.

As a result, younger banking customers are voting with their feet. Online-only banks are the only category of retail banks to have gained market share in the last decade, thanks to higher returns on deposits, lower fees, and universal access to ATMs (online-only banks rely on the network of ATMs set up by traditional banks).

Most online banks in the US don’t charge customers fees for using ATMs, and will reimburse (often with a monthly cap) any third-party fees charged for using the outside bank’s ATM. Some banks, like Bank of Internet USA and Schwab Bank, offer unlimited ATM reimbursements in the US or globally.